Liability coverage pays other people's expenses for accidents caused
by drivers covered under your policy. This is the only auto insurance
required by Texas auto insurance law. The required minimum liability
coverage are: $20,000 per injured person, up to a total of $40,000 for
everyone hurt in an accident, and $15,000 for property damage. This
basic coverage is called 20/40/15 coverage. However, basic coverage
might not be enough if you are held liable for an accident. You should
consider buying more than the basic limits.